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  • Insurance Law Reform Act 1977
    The insurance industry in New Zealand is similar with many other countries like Australia and the United States of America. 
  • Cheap Car Insurance in Tennessee
    Tennessee is a state with ample history and culture. It is a home to a lot of things, like country music, the Graceland Mansion, and the Smoky Mountains, to name a few.
  • Car Insurance Group 7
    When it comes to choosing a car, you may have a particular make or model in mind, but what you may not realize is that the type of car you choose can have a big impact on the car insurance premium you end up paying. 
  • Insurance Agencies Credit Ratings
    Independent agencies regard the financial strength of an insurance companies. 
  • Over 70s Car Insurance
    Car insurance for over 50s can often be cheaper as people over 50 tend to be safer drivers. This is due to a combination of road experience and maturity, often combined with a reliable car.
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  • Ways to Invest in the Property
    Essentially, all homeowners make an investment when they purchase a property since homes generally appreciate in value. However, some people find that investing in properties outside of homeownership can amass a small fortune over time.
  • Homeowners Reap Tax Benefits

    As a homeowner you should know that there are number of tax benefits available for you. This is especially true for your 2009 returns because there are number of new bonuses.

  • First-Time Home Buyer Tax Credit

    If you still don’t know whether to buy your first home or not, there is good news for you, if you buy a property until the end of April, you will take the advantage of the federal government’s tax credit of up to $8000. Also there are other reasons why you should end up the home buying process this spring.

  • Buy a House or Sell the Current One First
    Homeowners, who decide that they are ready to move up into a new house, often face a dilemma: Should they sell their current home or buy another first?
  • Steps to Do When Your Home is Underwater
    When you buy a home, you think that everything will be all right, but it doesn’t always work out that way. Of course, no one wants to be underwater on a mortgage loan, meaning you owe more on your loan than what your home is worth.
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News Media

    No-Upfront-Cost Smartphones Reach Detroit-Area Rent-A-Centers - Press Release - Digital Journal

    PLANO, Texas--(Business Wire)--Rent-A-Center, Inc. (NASDAQ/NGS:RCII), the nation’s largest rent-to-ownoperator, today announced the arrival of smartphones and no-contractairtime plans to its Detroit-area stores.
    Recent Study: Baby Food Packaging in the United Arab Emirates - Press Release - Digital Journal

    New Manufacturing market report from Euromonitor International: "Baby Food Packaging in the United Arab Emirates" Boston, MA -- (SBWIRE) -- 07/17/2014 -- The rising birth rate in the United Arab Emirates (which stood at 10.
    ACO Coalition Web Session: Despite Need, Challenges Confront Value-Based Healthcare - Press Release - Digital Journal

    >PRWEB.COM NewswirePLAINSBORO, N.J. (PRWEB) July 16, 2014 Converting to a healthcare system that rewards value will be challenging and require strong leadership, according to those who addressed the ACO and Emerging Healthcare Delivery Coalition during a recent Web-based meeting. The Affordable Care Act created accountable care organizations, or ACOs, which seek the so-called "triple aim" of improved health for populations, better patient experiences, and lower cost of care. The ACO Coalition, organized by The American Journal of Managed Care, now includes 70 stakeholders from across the healthcare spectrum: payers, providers, accountable care organizations, integrated delivery networks, pharmaceutical manufacturers, and specialty and retail pharmacy representatives. Coalition members are engaged in transitioning from a fee-for-service reimbursement model to one that rewards value. ACO Coalition presenters said making this transition may be difficult because a key stakeholder group, the employer, may not be ready to embrace the value-based model. Presenter Leonard Fromer, MD, executive medical director, Group Practice Forum, and assistant clinical professor, Department of Family Medicine, University of California at Los Angeles, shared results from a two-year effort with the National Business Group on Health. Dr. Fromer's research group engaged human resources executives from 10 large self-insured employers on accountable care issues. All were intrigued by the concepts of value-based care, but at the end of the project only one approached its third-party administrator about a reimbursement model that rewarded providers based on value. "Real change is very painful," Dr. Fromer said. "There are derailers and obstacles and challenges everywhere you look." Despite the awareness that the fee-for-service model rewards volume instead of value, he said, when value-based care is implemented, "we bang head-on into the reasons why we have this chicken-and-egg conundrum for a lot of providers," he said. Right now, providers are investing a lot of money into systems to provide value-based care, such as electronic health records, and many have not yet seen "the tipping point" at which those investments are paying for themselves. In response to a question, Dr. Fromer said it's critical that employers harness their power to change the status quo. In his discussions with the large employers, many did not recognize that as self-insured entities, they had the power to force change if they chose to use it. Providers, Dr. Fromer said, have to carry the value message to employers. "That is what has worked the most," he said. ACO Coalition Co-Chair Anthony Slonim, MD, CEO of Renown Health, agreed that no single actor in the healthcare system would bring change. "Changing a belief system is a real tricky task. We need leadership at all levels." Even ACOs that are performing well in healthcare delivery can still fall short on shared savings, as Summit Medical Group learned. Kimberley Kauffman, vice president for Value-Based Care, outlined how the ACO uses a series of tools to track high-risk patients after discharge from the hospital to avoid readmissions, which is one of the criteria Medicare now tracks closely. Using a metric that Summit calls "LACED," for length of stay, acuity, comorbidity, history of ER use, and drugs prescribed, the ACO particularly targets patients on multiple medications or blood thinners and ensures follow-up within two business days of discharge to schedule visits with a primary care physician a week to two weeks after leaving the hospital. Summit has made use of disease registries to closely track high-risk patients with congestive heart failure or chronic obstructive pulmonary disorder. Care navigators cull lists first, then hand off patients who need to be checked to care coordinators, who get a list of 10 patients and have two weeks to check on them. This sentence is confusing, maybe: Care navigators cull lists first, then provide care coordinators with a list of 10 patients who need to checked. Follow-ups for these patients are then completed within two weeks. Summit has also had success in lowering glycated hemoglobin (A1C) rates for its highest-risk diabetes patients, and produced a total weight loss of 167 pounds among a group of 17 patients in a healthy lifestyles initiative. A "scorecard" used to evaluate individual practices was popular among the Web session participants, and Kauffman said it is well-received among the ACO practice groups, too. Presenter Brian Powers, MA, of Harvard Medical School, discussed a paper he recently co-authored for The American Journal of Accountable Care, which reviewed recent studies on new ways by which patients should select a specialist. Conventional methods, such as asking friends or a primary care physician, may fail to address five key criteria that help patients determine if the physician's values and practice methods align with their own. Powers said those criteria are: communication and decision-making, therapeutic approach, social and cultural awareness, cost and value, and practice environment. Dr. Slonim asked if the ACO model limits the patient's ability to choose a physician who aligns with his or her values and practice preferences. Powers said that while narrow networks could present some challenges, the focus of ACOs on "linking patients to physicians" could make the model better than it might appear in value alignment. The next Web-based session of the ACO Coalition will be August 18, 2014, and the next live meeting will be October 16-17, 2014, in Miami, Florida. About the Coalition As ACOs and other emerging delivery and payment models evolve and move away from traditional fee-for-service system models toward cost-effective and value-based care, the need to understand how these models will evolve is critical to building long-term strategic solutions. The mission of the Coalition is to bring together a diverse group of key stakeholders, including ACO providers and leaders, payers, IDNs, specialty pharmacy, and pharmaceutical manufacturers to work collaboratively to build value and improve the quality and overall outcomes of patient care. Coalition members share ideas and best practices through live meetings, Web-based interactive sessions and conference calls. Distinguishing features are the Coalition's access to leading experts and its small workshops that allow creative problem-solving. To learn more, click here. CONTACT: Nicole Beagin (609) 716-7777 x 131 Read the full story at
    Russian Offshore Oil &- Gas Fields Development: The Prospects of Equipment and Materials Market Until 2025 - Press Release - Digital Journal

    NEW YORK, July 23, 2014--(PR Newswire)-- Russian Offshore Oil &- Gas Fields Development: The Prospects of Equipment and Materials Market Until 2025PR Newswire NEW YORK, July 23, 2014 NEW YORK, July 23, 2014 /PRNewswire/ -- Reportlinker.
    SHAREHOLDER ALERT: Levi &- Korsinsky, LLP Reminds Investors of Class Action against Ocean Power Technologies, Inc. and Its Board of Directors and a Lead Plaintiff Deadline of August 12, 2014 - Press Release - Digital Journal

    NEW YORK--(Business Wire)--Levi &- Korsinsky announces that a class action lawsuit has beencommenced in the United States District Court for the District of NewJersey on behalf of investors who purchased Ocean Power Technologies,Inc.
    Interested in Seniors Housing? Save the Date for The Texas Seniors Housing Summit -- October 8 - Press Release - Digital Journal

    DALLAS, July 18, 2014--(PR Newswire)-- Interested in Seniors Housing? Save the Date for The Texas Seniors Housing Summit -- October 8The National Healthcare Real Estate Series: Save the Date for The Texas Seniors Housing SummitPR Newswire DALLAS, July 18, 2014 DALLAS, July 18, 2014 /PRNewswire-iReach/ -- Save the Date for The Texas Seniors Housing Summit, the next installment in The National Healthcare Real Estate Series, the high-level commercial real estate conference series for active and innovative seniors housing developers, investors, owners/operators, equity sources, debt sources, technology firms and other service providers.
    MeTesto Launches Professional Text Messaging Service for Businesses and Organizations - Press Release - Digital Journal

    >PRWEB.COM NewswireEdwardsville, IL (PRWEB) July 21, 2014 MeTesto launches MeTesto Professional at to provide a professional text messaging service for businesses and organizations. Nearly 91% of all people own a mobile phone. Of these mobile phone owners, 80% use it in front of the TV while 44% take it to bed with them so they do not miss any messages. Look around, mobile phone owners almost always have their phones within arms reach and when a text message arrives, invariably they look at it immediately. Text messaging is an addiction. Mobile phones and text messaging is today'-s reality. With this reality, now it is essential for effective communication with customers, clients, or organizational members to include the ability to send text messages to many recipients in a business or an organizational communication'-s plan. Virtually all organizational contacts (even most of their children) have a mobile phone. Seeing this need, ChrisLands developed MeTesto, a scheduled text messaging service that allows individuals to schedule individual text messages. There are many reasons to schedule text messages, reminders, special texts to that special someone at that special time, and much more. MeTesto was followed by MeTesto Professional, a complete text messaging service for businesses and organizations. MeTestoPro'-s services include contact management, contact list management to target contacts by various demographics, message management, and more. MeTestoPro'-s features are simple and easy to use, only whats needed to manage messages. Messages may be text, emails, or both text and emails. MeTesto Professional makes it easy for any sized business or organization to use a modern Business or Organizational Text Messaging Service by offering Free Registration, No Monthly Fees, No Contracts, and 25 free messages to get started. Imagine, a business or organization is having a slow day. This organization has a great new product or service and a list of clients or members. The manager goes to, enters a text message (maybe for a snap promotion just created), selects an appropriate contact list, and MeTesto Professional sends the message. Contacts receive the message immediately, right into their hands. Soon the day is not so slow, it'-s a great day! Me Testo is "-Text Me"- in Italian! ChrisLands Inc owns and operates MeTesto and MeTesto Profesional. Chrislands Inc operating provides an easy and affordable solution to operating your own online store. We have provided the new, used, out-of-print, and antiquarian independent bookseller with a full ecommerce bookstore solution since 2001. We now support any product types. Read the full story at
    The Krystal Company® Announces Growth Initiative With New Brand Leadership - Press Release - Digital Journal

    ATLANTA, July 24, 2014--(PR Newswire)-- The Krystal Company® Announces Growth Initiative With New Brand LeadershipNew chief marketing officer and vice president of supply chain to join iconic brandPR Newswire ATLANTA, July 24, 2014 ATLANTA, July 24, 2014 /PRNewswire/ -- The Krystal Company has announced additions to its leadership team that are part of an overall growth initiative to build the company into a billion-dollar brand.
    HTML5 Page Flip Software: Creating E-Publications for iPad and Android Tablets - Press Release - Digital Journal

    >PRWEB.COM Newswire(PRWEB) July 23, 2014 PUB HTML5 is pleased to announce the introduction of their new HTML5 Page Flip Software with the primary intention of bringing iPad and Android Tablet users a more interactive reading experience. Since iPad does not support Adobe Flash, the HTML5 digital flipbook replaces the flipbook and multimedia elements based in Flash thereby allowing the mobile tablet user to access e-publication successfully. IPad digital publishing can be easy with PUB HTML5. In the modern context, people prefer to read on their iPad rather than from a book which has to be carried around constantly. Therefore the introduction of HTML5 Digital Publishing to iPad can be seen as an attempt to keep up with the current trends of society. Since the HTML5 flip software represents the latest technology, is mobile friendly and works across diverse platforms, they do not pose problems of compatibility and transferability. The e-reading service enabled by this software saves time, money and even protects the environment by reducing the requirements of paper. The HTML5 page flip software allows fast and easy publishing and online digital catalog software allows even an amateur to complete projects efficiently. The edit feature allows users to directly publish on their web page without leaving the software. Using the free page flip software, users can create searchable content to help readers locate it in the e-book. Powerful editing options allow users to create reader-friendly books. Since HTML5 page flip software is custom made to cater iOS and Android mobile devices it delivers an amazing experience by supporting gestures. People can use spread and pinch to zoom in or out, swipe to browse through the pages, and drag to navigate around a page while zoomed in. The HTML5 software also has integrated a social share feature which allows users to share the products in their digital catalogs on Facebook, Twitter, or via email. For more information, go to Read the full story at
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Insurance Company

Avalon Health Care

Avalon Health Care Group is a premier provider of short and long-term rehabilitation and medical care. Our network of 40 care communities in five states includes skilled nursing and rehabilitation centers and assisted living facilities.
American National Insurance Company

American National Insurance Company was founded in 1905 by William L. Moody, Jr. and is headquartered in Galveston, Texas. The Company has multiple subsidiaries, and has operations in Springfield, Missouri; Glenmont, New York; League City, Texas; and San Antonio, Texas.
Ameritas Life Insurance Company

Life will never be free from uncertainty. But when uncertainty is minimized, life can be maximized. This is our calling at Ameritas. With financial strength, we offer competitive insurance, retirement and investment products.
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